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Chapter 9, 11, 12 and 15 Bankruptcy

Southern California Bankruptcy Lawyer Since 1970

Which Type Of Bankruptcy Is Right For Your Situation?

There are six chapters of bankruptcy that one may file. The most common bankruptcies for individuals are Chapter 7 and Chapter 13. At the Law Offices Of Hagen & Hagen, we focus primarily on handling these two types of personal bankruptcy.

The other chapters are highly specialized and thus not very common. We are trained to recognize these types of bankruptcy, but will refer them out to an attorney who is better able to handle these special debt relief options.

Following is some information on the specialized chapters of bankruptcy:

Chapter 11 Bankruptcy - Business / Corporate Bankruptcy

Chapter 11 bankruptcy is the type mentioned in the news most often, yet less than one percent of all bankruptcy filings are Chapter 11s. They are high-profile bankruptcies used mainly by corporations, limited liability companies and partnerships to reorganize their financial affairs. Some of the more well-known companies to file for Chapter 11 bankruptcy in recent years are General Motors, Chrysler, TWA, United Airlines, Texaco, Macy's, WorldCom, and K-Mart.

Individuals may file for bankruptcy under Chapter 11 but it is rare. Chapter 11 bankruptcy is a time-consuming and expensive chapter, therefore it is only appropriate for individuals whose circumstances make Chapter 7 or Chapter 13 inapplicable or inappropriate.

Chapter 9 Bankruptcy - Municipal Entities And Railroad Companies

Chapter 9 bankruptcy is the chapter that railroad companies and municipal entities - cities, counties, school districts, and gas and highway authorities - use when they file bankruptcy. In the mid-1990s, Orange County, California, filed a bankruptcy using Chapter 9. Bridgeport, Connecticut, and Vallejo, California also filed bankruptcy petitions. Individuals cannot use Chapter 9.

Chapter 12 Bankruptcy - Family Farming Operations

Chapter 12 is used by family farmers. Only individuals that own agricultural property can use Chapter 12.

Chapter 15 Bankruptcy - Foreign Debtors

Chapter 15 is the chapter used by United States courts to administer assets of companies who have filed for bankruptcy protection in foreign jurisdictions.

Contact an Experienced Bankruptcy Lawyer

If you are unsure about which type of bankruptcy would be appropriate for your situation, please contact the Law Offices Of Hagen & Hagen to speak with a bankruptcy lawyer.